Old default removed after six years now added again by DCA

[Alicep]

Hello,
will make as brief as possible :
2002/3- bought a laptop on 12 months free credit .
2004- tried to pay using my credit card - they refused.
2004-2005 paid each month
2005 oct - business failed insolvent
2006- debt passed to AIC after default placed on file.
2006-2011- paid AIC £1 PCM as arranged by CAB
2011- wrote requesting CCA- never received so debt in dispute .
2012- default falls off file and account closed letter from AIC.
june 2013- letter from Connaught collections informing they own debt and pay up.
2013- request CCA- nothing received so debt in dispute .
2014- letter informing us the company is now called First Credit although same people. Write requesting CCA
To be honest as it was no longer on file we just ignored their letters , it had done it's six years and they had mo evidence of CCA.
OR SO WE THOUGHT
checked credit file (noddle ) as applying for credit card and found that the debt that had already been and gone and been closed and was in dispute had been placed back on the file with a new default date of 06/2014 !!!
i am planning a response but just wanted to get some advice because I know this wrong but we need to sort it out ASAP to remortgage the house .

ideas and /or letter template ?

[Nibbler]

Re: Old default removed after six years now added again by DCA

Yes, you are correct. Should not have been added back as a new default with a recent default date.

Complain, saying that you will take the DCA to both the FOS and ICO if they do not remove the new one.